Top 10 Cards That Earn Us Nothing!

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Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

Folks often ask how Emily and I make money from the blog, and we’ve always been very transparent about it.

We tell you about the best credit card offers for Big Travel with Small Money.  And we earn a commission when you are approved for some (but not all) of those cards.

It’s our belief that by doing the right thing and informing you about the best deals — whether or not they earn us anything — you’ll feel good about what you see on Million Mile Secrets.  And just as importantly, we’ll feel good about what we do!

Emily and I want you to always get the best offer when you sign-up for a credit card – even if it means we don’t earn a commission.

Top 10 Cards That Earn Us Nothing

We’ll Always Share the Best Offers So You Can Make Amazing Memories – Even If We Don’t Earn a Thing!

And we always appreciate it when readers let us know about better offers!

I’ll show you the top 10 cards that currently do NOT earn us a commission but DO earn you Big Travel with Small Money!

Why Do We Tell You About the Best Offers?

Link:   Hot Deals

We’re so fortunate to have the best blog readers!  And we love it when you share your Big Travel adventures and experiences from the tips and tricks you’ve learned here.

When we started the blog, I said I’d always let you know if I found a better public offer for any credit card, even if it means giving up our commission on the card.

We earn a commission on cards that have an image of the card under the card’s name on the Hot Deals page.  But if you only see a link with the card’s name, and no card image beneath, that means Emily and I get nothing if you apply.

Yes, but Why?

Because it’s the right thing to do.

And we won’t ever stop doing it!

I’d rather you get the most miles, points, or cash back.  Even if there’s a lesser offer that would earn us a commission.

In fact, the top 3 cards on 10 Best Deals in Travel link to cards that earn nothing for the blog.

And that’s fine by us!

Thank you for reading our blog all these years.  We really do have the best readers!

The Top 10 Deals That Earn Us $0!

I’ll show you the best public offers on 10 top cards  – that currently earn us nothing if you apply!

1.   Chase Ink Plus

Link:   Chase Ink Plus

You’ll earn 60,000 Ultimate Rewards points when you sign-up for the Chase Ink Plus small business card and spend $5,000 on purchases within the 1st 3 months of opening your account.

That’s worth:

Top 10 Cards That Earn Us Nothing

Transfer Chase Ultimate Rewards Points to Hyatt for Stays at Fantastic Hotels Like the Grand Hyatt New York

Chase Ultimate Rewards is my favorite award program because it’s so flexible.  And you’ve got lots of options when you transfer points to airline and hotel partners like Hyatt, Southwest, British Airways, or United Airlines.

Here’s my review of the Chase Ink Plus card.

2.   Chase Southwest Cards

Link:   Chase Southwest Premier (Personal)

Link:   Chase Southwest Premier (Business)

It’s no secret Emily and I are big Southwest fans!  We love Southwest because everyone gets 2 free checked bags and there are never any change or cancellation fees.

Top 10 Cards That Earn Us Nothing

Use Southwest Points for Flights Within the US, or to Destinations in the Caribbean, Mexico, and Central America

You can currently earn 50,000 Southwest points when you complete the minimum spending on the Chase Southwest Premier, and Premier small business card.

Signing-up for these cards makes it easy to earn the Southwest Companion Pass so a friend or family member can fly with you almost free for up to 2 years!

But don’t make these 3 mistakes that won’t get you a Companion Pass!

3.   Chase Hyatt

Link:   Chase Hyatt

You’ll earn 2 free nights at ANY Hyatt (even luxury resorts!) with the Chase Hyatt card after completing the minimum spending requirements.

Emily and I have had wonderful stays at many Hyatt hotels, like the Park Hyatt Vendome Paris, Grand Hyatt Kauai, Park Hyatt Goa, and Park Hyatt Milan.  And with this card, you can do it too!

Top 10 Cards That Earn Us Nothing

Visit Top Hyatt Resorts, Like the Park Hyatt Goa, With 2 Free Nights From the Chase Hyatt Card!

Depending on where you use your free night certificates, you could get a stay worth over ~$1,000 at the pricier Hyatt hotels.

And many folks pay the $75 annual fee on this card year after year, because you get a free night certificate each year you’re a cardmember for a stay at a Hyatt Category 1 through 4 hotel.

4.   Citi Prestige

Link:   Citi Prestige

You’ll earn 50,000 Citi ThankYou points after spending $3,000 on purchases within the 1st 3 months of opening a new Citi Prestige card. (EXPIRED.)

That’s worth ~$800 in paid American Airlines or international partner flights through July 23, 2017.  And potentially much more if you transfer the points to airline partners like Singapore Airlines!

Top 10 Cards That Earn Us Nothing

Treat Yourself to an Unforgettable Flight on Singapore Airlines With the Citi Prestige Sign-Up Bonus!

There’s a $450 annual fee on this card which isn’t waived.  But you can more than offset it with a $250 yearly airfare credit, 4th night free on hotel stays, airport lounge access, and other terrific perks!

5.   Hilton Cards

Link:   Hotel Cards – Hot Deals

It’s a great time to earn lots of Hilton points!  There are currently improved sign-up bonuses on 3 Hilton cards, and we don’t earn a commission for any of them!

Top 10 Cards That Earn Us Nothing

This Could Be Your Next Vacation! It’s Possible With Hilton Points – and There Are So Many Ways to Earn Them!

Here are the best current Hilton credit cards available, and none of these offers earn us a penny:

My favorite is the Citi Hilton HHonors Reserve card because you earn 2 weekend night certificates to use at almost any Hilton hotel, including pricey hotels like the Waldorf Astoria Rome Cavalieri, where Emily and I stayed.

Check out my post on how to decide which Hilton credit card is best for your travel plans.

6.   Chase IHG Rewards Club Select Card

Link:   Chase IHG Rewards Club Select Card

The regular offer for this card is 60,000 IHG points after meeting the minimum spending requirements.  But when we found a better offer with the same number of points and a $50 statement credit, we shared it with you! (EXPIRED.)

Top 10 Cards That Earn Us Nothing

You’ll Get a Free Night Certificate Each Year You’re a Chase IHG Cardmember, and Use it at ANY IHG Hotel, Like the InterContinental Hong Kong

Here’s how to get make the most of the Chase IHG card.  And consider these top hotels in the US and Europe to use your annual free night certificate!

I keep this card year after year (so does Emily!).  We happily pay the $49 annual fee (waived for the 1st year), because the annual free night certificate is worth much more!

7.   Bank of America Alaska Airlines Card

Link:   Bank of America Alaska Airlines Card

Alaska Airlines miles aren’t just good for award travel on Alaska Airlines!  They have terrific airline partners, including American Airlines, Emirates, and Icelandair.

Top 10 Cards That Earn Us Nothing

Is Emirates First Class on Your Bucket List? You Can Book It With Alaska Airlines Miles!

With the Bank of America Alaska Airlines card, you’ll earn 25,000 Alaska Airlines miles after your 1st purchase.  And you’ll earn a $100 statement credit after you spend $1,000 on purchases in the 1st 90 days of opening your account. (EXPIRED.)

Here are some ideas on how to use Alaska Airlines miles for Big Travel!

8.   Chase Ink Cash

Link:   Chase Ink Cash

If you have a small business and don’t like paying an annual fee, the Chase Ink Cash card is an excellent deal.

You’ll earn 20,000 Chase Ultimate Rewards points ($200 cash back) when you sign-up and spend $3,000 on purchases in the 1st 3 months of opening your account.

You’ll also get:

  • 5 Chase Ultimate Rewards points per $1 you spend (5% cash back) on the 1st $25,000 spent per year at office supply stores and on cell phone, landline, internet, and cable TV services
  • 2 Chase Ultimate Rewards points per $1 you spend (2% cash back) on the 1st $25,000 spent per year at restaurants and gas stations combined
  • 1 point per $1 you spend (1% cash back) on everything else
  • Primary auto rental insurance (CDW) when renting for business purposes, plus purchase and extended warranty protection
  • No annual fee
Top 10 Cards That Earn Us Nothing

Use Your Cash Back However You’d Like! Or If You Have Certain Other Cards, Transfer Chase Ultimate Rewards Points to Airline and Hotel Partners for Big Travel

This card is more flexible if you also have the Chase Sapphire Preferred, Chase Ink Plus, or Chase Ink Bold (no longer offered) card.  Because you can transfer points earned from the Chase Ink Cash to 1 of these cards, then to travel partners like British Airways and Hyatt!

9.   Chase United Explorer Card

Link:   Chase United Explorer Card

The Chase United Explorer is a good option if you fly United Airlines often.

That’s because when you have this card, you’ll get access to even more award seatsAnd when you use your card to pay for your ticket, you’ll get their 1st checked bag free!

And you’ll get priority boarding on United Airlines flights.

You’ll earn 30,000 United Airlines miles after you spend $1,000 on purchases in the 1st 3 months of opening your account.  And a $50 statement credit after your 1st purchase.

To find this deal, search for a flight on and you’ll see an ad for the card.  The regular offer doesn’t have a $50 statement credit, so apply for the better offer!

Top 10 Cards That Earn Us Nothing

You Can Use United Airlines Miles for Award Flights on United Airlines – or on Their Star Alliance Partners

United Airlines miles are very useful!  That’s because:

That said, the sign-up bonus on this card has been as high as 50,000 United Airlines miles, so if you’re not in a hurry to earn United Airlines miles, you might consider waiting for that offer to return.

10.   Barclaycard Wyndham Rewards

Link:   Barclaycard Wyndham Rewards

You can earn free nights at any Wyndham hotel when you sign-up for the the Barclaycard Wyndham Rewards cards and complete the minimum spending.

That can be worth over $1,000 in Big Travel!

Top 10 Cards That Earn Us Nothing

Treat the Family to a Stay at Wyndham’s Top Resorts Like the Wyndham Grand Orlando Resort, Bonnet Creek

The sign-up bonus on the premium version of the card with a $69 annual fee is currently 45,000 Wyndham pointsBecause a night at ANY Wyndham hotel costs only 15,000 Wyndham points, you’ll have enough for 3 free nights at Wyndham’s top hotels and all-inclusive resorts!

Bottom Line

Emily and I thank you for reading the blog through the years!  And for trusting us to show you the best credit card deals!

We’ll always tell you about the best public offers we’re aware of, even if they don’t earn us a commission.  And these 10 cards don’t earn us a penny!

Remember, any offer you see in Hot Deals that does NOT have an image of the credit card, does NOT earn Emily or me a commission.  We share these with you because it’s the right thing to do!

And we hope when you travel, you’ll let us know about your adventures!  If you’d like to be considered for our reader success story series, please send me a note!

* If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

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